gentlecrane31 said:No, the B-list used to cover the supplemental cost of $26 that I would have normally dealt with under the A-list. Since the United States unilaterally canceled my supplemental insurance policy, I don't have that coverage anymore. So, I'm stuck paying the full retail price just like anyone else without extra insurance—Medicare just picks up whatever is left. This specific medication usually goes for about $233 when it's just sitting on the shelf in retail stores.
When people talk about the "full price" of a drug, they mean what you pay via a private prescription if you don't have health insurance, or if the drug isn't covered by Medicare, or if your specific diagnosis doesn't meet the Medicare guidelines for Plan A or Plan B.
Since a "copay" implies the drug is on the supplemental list (Plan B), I'm a little confused by what you wrote in bold above.
The primary list consists of basic medications that don't require a copay because Medicare covers the entire amount.
The full price of the medicine is $233, just like you mentioned.
If your supplemental policy was canceled, you basically paid $3.25 for the standard copay plus the extra cost for a Plan B drug. So, technically,
you didn't pay the full retail price of the drug, you just paid the supplemental copay.
We really need to nail down these definitions so there isn't any confusion.
Full price = the drug isn't covered by Medicare at all.
Copay = $3.25 what you pay per prescription regardless of whether it's on List A or B, assuming you don't have supplemental insurance.
Supplemental cost = the amount Medicare sets for drugs on the supplemental list (Plan B).Anyway, it feels like Cisco is acting like they couldn't care less, so now Allstate sees an opportunity to step in. I wonder how long they'll actually keep offering that Plan B coverage, but honestly, it doesn't matter to me—I've already signed up with them.😁
